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Lifetime Free AU Small Finance Bank LIT Credit Card

Lifetime Free AU Small Finance Bank LIT Credit Card

4935°
Budding Star
bobby_123

https://cconboarding.aubank.in/au...lf

Key Highlights of AU Small Finance Bank LIT Credit Card
Card Type Lifetime-free
Best Suited for Rewards & Cashback
Best Feature Up to 10X reward points on online & offline domestic & international transactions

Earn up to 5% cashback
  • 5% cashback 3 times over a 90 days period
  • Avail 5% cashback for retail spends in addition to 1 Reward Point per Rs. 100 spent
  • Minimum retail spends of Rs. 7,500 and a maximum cashback of Rs. 500 over a period of 30 days
Earn up to 2% cashback
  • 2% cashback 3 times over a 90 days period
  • Avail 2% cashback for retail spends in addition to 1 reward point per Rs. 100 spent
  • Minimum retail spends of Rs. 10,000 & a maximum cashback of Rs. 1,000 over a period of 30 days

Note: Fuel, rent, insurance and cash withdrawal transactions are not eligible for cashback and milestone calculation.

Other Benefits:

Lounge Access: Avail up to 4 complimentary visits per quarter.

Fuel Surcharge Waiver: 1% fuel surcharge waiver on all fuel transactions between Rs. 400 to Rs. 5,000.

Memberships: Avail fun & fitness memberships such as Zee5, Amazon Prime, Cult.fit

Reward Points:
  • 10X/5X reward points on all online domestic & international retail transactions
  • 10X /5X reward points on all POS & Contactless offline domestic & international transactions

Note: Cash withdrawal, fuel & EMI transactions are not eligible for program/ base reward points. Fuel, rent, insurance, and cash withdrawal transactions are also not eligible for accelerated reward points.


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181 Comments  |  
109 Dimers
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Deal Newbie Deal Newbie
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Pincode not serviceable

Vanguard Vanguard
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AU Bank is great for Offers, Also for overall service,

Even for Zero Balance Account, They followup with your Banking Journey, and the VideoBanking is much advanced...

Debit Card (Rupay Platinum) is the best plus1

Really happy to see them advance raised_hands

Helpful Helpful
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Does all offers are applicable to debit card or for credit card we get more offers? 

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Deal Cadet Deal Cadet
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After vkyc, they will conduct a manual verification by visit too at the office address 

Deal Subedar Deal Subedar
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If I have AU CC, will they do vkyc again for bank account?

Deal Newbie Deal Newbie
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Dont apply for this card AU bank not at all responding...i think its luck by chance..if u lucky you get the card. Ther refuse everytime.

Deal Newbie Deal Newbie
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Already i have zenith card... Can i apply again lit card?
Deal Cadet Deal Cadet
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Approved

Helpful Helpful
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My application went through VKYC, and was then rejected saying it doesn't meet internal policies.

Deal Newbie Deal Newbie
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AU Small Finance Bank ki koi b servis acchi nahi hai ji . je sb service me dokha krta hai . in ke charge bohat jyda hai .kabi b panga mat lena

Beacon Beacon
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I'm getting messages from 'CP/QP-BLJSRI(SRIBALJI)' saying that I'm eligible for AU Credit Card, is it genuine, can it be trusted ?
Deal Cadet Deal Cadet
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AU charged annual fee for missing fee thousands and not willing to reverse the same stating charges are per spend criteria only. anyone tried to threaten to close the account and go reversal of charges? I have been with them with AU Vetta card, their cashback is a nonsense and even their own CC wont confirm anything properly. However, overall offers are great compare to other cards. in addition if you SB account then daily one offer will be shown in app.

Confirm anyone tried and got their charges reversed or any way?

Deal Newbie Deal Newbie
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My vkyc not happening for 5 dyas now
Deal Cadet Deal Cadet
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Verification takes 1 hr.

Deal Newbie Deal Newbie
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Kyc verification online never happens, it keeps in queue forever, and the queue position keeps on increasing and decreasing
Spearhead Spearhead
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If we take 5% for 90 days ...on spending 30k we will get 1500...minus approx 350 charges ...1150 cb ....around 3.8% cb on any spends

Helpful Helpful
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I found the services of small finance banks like AU Bank to be hopeless. I wanted to open an RD account using my savings account in their bank and I kept getting errors no matter what amount I tried. I tried with Rs 3000, Rs 5000, and even Rs 10000. Same situation with their app. I contacted their customer service, they said to remove and reinstall the app. Of course, they were shooting arrows in the dark and those actions did not solve any issue. Tried calling the number of the person during work hours who called me previously to tell me that he is my assigned RM for my account and neither did he pick up my call nor bothered to call me back.

I just use these banks to load the minimum amount for their RuPay Platinum Debit card offers and their Swiggy/Zomato or shopping offers. Since the sites have the same offer for both AU debit and credit cards, I never had to use the LTF credit card to date. The debit card suffices all the time. I have the Bob Snapdeal Rupay Credit Card that I use to get 10X rewards without the need to pay an additional Rs 199/299 to get that benefit for the LIT card. Insurance payments are also excluded from these additional benefits. So I feel it's a pretty useless card. I have kept the card only since it's Lifetime Free.

Deal Newbie Deal Newbie
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Thanks for sharing. 

So far, I made 5 attempts to complete VKYC. All 5 attempts got an on-screen confirmation that reads "Your Video KYC verification is successfully completed......." followed by verbal confirmation from the AU Video calling representative. While checking the status after a day or so, it shows "VKYC pending". Email support either fails to understand properly drafted written communication or chose to be dumb to achieve their daily email response targets stating - "We wish to submit you that your application is pending for submission from your end"

I can imagine their quality of support for the existing customer base. I see a lot of dimers speaking positive of AU bank. These guys are really lucky not to face such issues. 

AU bank definitely needs to strengthen their application and man power before before campaigning their products. Massive campagining on DesiDime and other social media platforms without proper planing disturbs the quality of service for on-boarding new customers and the existing customer base as well. Hope AU bank is open to feedbacks and do not shut shop sooner or later due to poor service quality. 
Deal Cadet Deal Cadet
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Received today 

Commentator Commentator
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Hi All

Having a doubt in this card.

As it have multiple rewards options, can we use multiple rewards at a same time ?

Eg

Milestone benefit of 5% upto 500rs per month + 5% rewards on groceries. Which gives 10% CB ?

Also a combination of 10x rewards on offline spend with the above combo ?

Deal Newbie Deal Newbie
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Yes all applicable...

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Deal Newbie Deal Newbie
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Dont apply as they cant respond...waste of time .

Post Tycoon Post Tycoon
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best way is to reach out to your home branch and apply from there..... as the branch executive applies their referal they ensure that the card gets issued for sure ..... note: your CIBIL/CRIF needs to be in green

Post Tycoon Post Tycoon
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if we have any expert in the forum, please advise if its safe to keep money in AU bank .... ? I know it falls under RBI and about 5L guarantee.. what about beyond 5L can we trust tye bank like we do for other banks like HDFC, kotak, ICICI etc

Deal Cadet Deal Cadet
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AU is the biggest small finance bank in India, in this new age no bank is 100% secure, however in general banks are safest when compared to other institutions, so keep money where ever you want but if any small bad news then shift.

Deal Newbie Deal Newbie
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I got rejected

Deal Newbie Deal Newbie
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they came to my factory and demanded photographs of my building, just for one not so useful credit card.

i denied  the process.

Commentator Commentator
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@sridharkett Yea.. got the card few days back.. Activated 3 features which gives upto 12.5% rewards grin but charges were huge..

Deal Newbie Deal Newbie
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For heavy spenders it's much more beneficial than premium cards, I have spent 1L got 1k on 2 categories and 10k  points on 10X category...
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Commentator Commentator
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@edges It's Life time free card so no charges if u don't activate any additional features.. But some features really gives great rewards like premium credit card.. Eg. 5% milestone CB upto 1500rs for 90days for 299+gst charge + 10x rewards on offline ( 2.5% ) + 5% on grocery which makes 1058rs including GST for 90 days.. but u will get 12.5% rewards on groceries. If you spend correct till the threshold limit then this is one of the best credit card..

Deal Lieutenant Deal Lieutenant
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I applied for this on 13th jan evening, recieved card today. 

@Karthik007 can we club 5% and 2% CB for 90 days?

Commentator Commentator
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@VicksJ Which 5% and 2% category u are asking? U can't activate 5% and 2% both in milestone category, but 2% in milestone and 5% in specific spends like groceries, clothes, electronics possible..

Deal Lieutenant Deal Lieutenant
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I was talking about milestone category only, thanks for confirmation. is wallet load excluded or included? 

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Deal Lieutenant Deal Lieutenant
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will NPS payment counted towards 5% milestone?

Commentator Commentator
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@VicksJ Yes Paytm Wallet is considered in 5% milestone.. not tried NPS payments

Wingman Wingman
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Still counting wallet load as milestone benifit? And what name come on gateway?
Commentator Commentator
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@rohant i didn't tried electronics yet.. which site you purchased electronics ? Some time it takes upto 5 days to show properly.

Deal Hunter Deal Hunter
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Amazon
Generous Generous
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Received call from agent on 9th March. Filled the details on link. Completed Vkyc. Verification done both Home and Rented place used for self employment/ Buiseness on 11 Mar. Card approved Sms came on 13 Mar. Card Delivered by Bluedart on 15th March.

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